We sent out an email newsletter last week with news about the FICO credit score change and received some great questions back from our readers. Ron had a question that we&39;ve heard a couple times:

If you have used authorized user accounts to obtain credit and the scoring model changes do you lose the credit that you have established in your own name? For example, if I went from a 500 score to a 700 score with an authorized user account. And then I went out and obtained 2 major credit cards and a low interest auto loan and maybe even a mortgage. All of that activity is reporting with an excellent pay history.

When the authorized user points are taken away wouldn’t my credit score not really see an impact due to the new credit that I have obtained? Or will it rise back up in say 12-24 months as the depth of the new credit reports?  Can the lenders revoke the credit that was given to me at any point even with a perfect payment history?

This is a complex question. Let&39;s break this down into a few different pieces:

1. Will his credit score change when the FICO model drops authorized user accounts? Yes, if the authorized user accounts are still listed on his credit report and still contributing "points" for account age and available credit. No, if the authorized user accounts aren&39;t listed anymore or have become insignificant due to other accounts.

2. How much will his credit score change? It&39;s most likely that his credit score will dip slightly when the FICO score change takes effect this fall. He&39;ll probably lose some Credit Age points if his new accounts are younger than the authorized user accounts. And he could see some drop in the Debt Utilization category if his debt-to-limit ratio increases when he loses the credit limit from those extra accounts. His credit score will continue to be lowered until these factors improve.

3. Can lenders "take back" their accounts once they see that his score has dropped? Technically, they could. But it is very unlikely that a mortgage or auto lender will make a change to his loans based on a change in his credit score. He&39;s more at risk for changes to his credit card rates and terms based on a drop in his credit score. Credit card companies regularly review your credit scores and can adjust your account pricing accordingly. And refinancing his mortgage may be tricky if his credit has dropped to subprime levels.

Next question? Send your credit and money questions to our team of credit experts at tidbits@credit.com.

Emily Davidson is editor of CreditBloggers.com and a former credit expert for the credit bureau, TransUnion. She writes about credit and personal finance topics.